Looking for Repair Shops Insurance?
Protect your repair business from customer property damage, liability claims, equipment damage, and professional errors. Get coverage for auto repair, appliance repair, electronics repair, and specialty repair services.
What is Repair Shops Insurance?
Repair shop insurance protects service businesses from customer property damage, liability claims, equipment damage, and professional errors. Coverage includes garage liability, garagekeepers coverage, and general liability. Customers, landlords, and equipment lenders require proof of insurance before services or leases.
Garagekeepers Coverage
Protection for customer property in your care during repairs or service.
Professional Liability
Covers repair errors, misdiagnosis, or service mistakes causing customer losses.
Tools and Equipment
Protects repair equipment, diagnostic tools, and business assets.
Certificates
Fast proof for customers, landlords, and commercial accounts.
Who Needs Repair Shops Insurance?
- Auto Repair Shops : Businesses requiring specialized insurance coverage
- Appliance Repair Services : Businesses requiring specialized insurance coverage
- Electronics Repair : Businesses requiring specialized insurance coverage
- Equipment Repair Specialists : Businesses requiring specialized insurance coverage
Why Harper?
Repair Shop Expertise
We understand repair business risks—customer property damage, service errors, equipment theft, and warranty claims. Get coverage for auto, appliance, electronics, or specialized repair services.
Fast Proof for Customers
Commercial customers require insurance before fleet or equipment repair contracts. We deliver certificates quickly.
Clear Simple Guidance
We explain garagekeepers, professional liability, and repair-specific coverage clearly.
Tailored to Your Services
Match coverage to your repairs—automotive, appliance, electronics, small engine, or specialty equipment repair.
Frequently Asked Questions
What insurance do repair shops need?
Repair businesses need garagekeepers or bailee's coverage protecting customer property while in your care during repairs, professional liability (E&O) for repair errors or misdiagnosis causing customer losses, and general liability for customer injuries at your facility or property damage during service calls. Property coverage protects tools and diagnostic equipment (which can be very expensive), while commercial auto covers service vehicles and mobile repair operations. Workers' compensation is required for employees in shop environments with injury risks.
Is repair shop insurance required?
Auto repair shops typically need garage liability and garagekeepers coverage for business licensing in most states. Landlords require general liability before leasing commercial repair facilities. Large fleet customers require proof of garagekeepers coverage before authorizing vehicle repairs. Equipment manufacturers may require insurance before authorizing warranty repair centers. While specific requirements vary by repair type and location, operating without garagekeepers coverage exposes shops to devastating claims.
How much does repair shop insurance cost?
Small mobile or home-based repair services pay $1,500–$4,000 annually for basic liability and tools coverage. Auto repair shops with facilities pay $5,000 to $15,000+ annually, including garagekeepers coverage. Large repair facilities with multiple bays and significant equipment pay $15,000 to $40,000+ annually. Costs depend on repair types, revenue, tools and equipment values, number of employees, whether offering mobile services, garagekeepers' limits, claims history, and facility size.
Does insurance cover damaged customer property?
Garagekeepers coverage (for auto repair) or bailee's coverage (for other property) protects customer items damaged while in your possession during repairs, including accidental damage during work, damage from shop fires or theft, or damage from other vehicles in your facility. Coverage applies when you exercised reasonable care and followed proper repair procedures. Gross negligence, intentional damage, or storing customer property in obviously unsafe conditions could void coverage.
Does insurance cover repair mistakes?
Professional liability (E&O) covers financial losses when repair errors, incorrect diagnosis, or faulty workmanship causes customer damages beyond just the repair itself. For example, misdiagnosing an engine problem leading to complete engine failure, or incorrect appliance repair causing property damage. Coverage pays for legal defense and customer losses. However, warranty issues for incomplete repairs or simply redoing faulty work are typically excluded.
Can fleet customers require specific coverage?
Yes, commercial fleet customers, municipal vehicle fleets, and large businesses contracting for equipment repair typically require minimum garagekeepers coverage (often $500,000-$1 million per vehicle), adding them as additional insureds, and proof of garage liability coverage. Fleet contracts often specify insurance requirements, certificate delivery timelines, and annual renewal confirmation as conditions of being an approved repair vendor.